Do I Need Travel Insurance For Malta?

With 300 days of sunshine a year, clear seas, Mediterranean food, and a fascinating if turbulent history, Malta is a wonderful place to visit if you’re looking to combine a beach holiday with some cultural pursuits. 

Malta and its sister island Gozo have a wonderful mix of traditional fortified towns, including its 16th-century capital Valletta, and modern resorts. The spiritual can also take time to see its beautiful baroque churches - many of which are dedicated to Malta’s patron saint, St Paul, who was shipwrecked on the island.

Malta is part of the Schengen Area of borderless travel. AXA’s Schengen travel insurance offers extensive protection for those traveling to Malta - as it can cover medical expenses up to €100,000 in Malta and other Schengen Area countries. It also allows you to obtain the travel insurance certificate required with your visa application.

What does AXA Schengen travel insurance for Malta cover?

Starting at €33 per week (approx. US$35) of your trip, our Europe Travel insurance covers

● Up to €100,000 coverage in medical expenses

● Medical repatriation & transport

● 24/7 medical assistance in English or French in case of urgency

● Up to 180 days of coverage

● All Schengen and European Union countries as well as the United Kingdom (depending on the chosen insurance)

● Insurance certificate issued immediately and approved by the embassies

● No age limit

● Zero deductible - which will allow you to avoid some upfront and early costs with your claim

Is travel insurance required for Malta?

Travel insurance is mandatory if you need a Schengen Visa to travel to Malta. If you don’t need a visa, travel insurance is optional but strongly recommended as medical costs can be high for foreigners, especially as you will need to pay for any prescriptions.

Do you cover emergency medical costs related to coronavirus?

We will cover your medical costs related to coronavirus provided you haven't traveled against World Health Organization advice, personal medical advice from your doctor, or any other government body’s advice in your home country or the country you are traveling to. Emergency and additional travel costs are also covered providing you have stuck to this advice.

All issued electronic certificates purchased on the axa-schengen site include this disclaimer: “Medical fees related to COVID-19 are covered in the terms, conditions & exclusions established in the insurance policy”. This will satisfy any embassy rules that state you must get an insurance certificate with Covid protection.

Will AXA Schengen travel insurance be accepted with my Maltan visa application?

AXA have been leading experts in delivering insurance certificates that meet Schengen countries’ requirements to obtain a visa for more than 10 years. All you need to do is print the electronic form of the health insurance certificate and enclose it with your visa application - it’s that easy! Each AXA Schengen insurance certificate is individualized and bears a number that is verifiable on our website.

What are the requirements for travel insurance for my Malta visa?

To obtain a Schengen Visa to Malta your insurance must meet the following criteria:

- Minimum coverage for at least €30,000 in medical expenses

- It should cover all member states of the Schengen Area

- It should cover any expenses which might arise in connection with repatriation for medical reasons.

I don’t need a Schengen Visa to visit Malta - can I still purchase your insurance to cover my possible health expenses?

Schengen travel insurance is not mandatory for some travelers, but that doesn’t mean you won’t be injured or get ill. A broken wrist or nasty infection can happen to anyone! We thus strongly recommend that you subscribe to our insurance for travelers visiting Europe to make sure your trip is as safe and peaceful as possible. Particularly if you’re taking on some of the more adventurous, waterborne pursuits Malta has to offer!

What are the main advantages of AXA Schengen insurance?

1. Compliant with European requirements for Schengen Visa. 10 years of existence

2. Immediate coverage. Your insurance covers you from the first day you need it

3. No age restriction, zero deductible

4. No price variation because of nationality or age

5. Refund if your Schengen Visa application is denied.

Why should you trust us?

● Medical files processed by AXA Schengen in 2021: 2292

● Medical calls processed by our agents in 2021: 3845

Which insurance plans to consider?

  Coverage duration Max.
Countries Covered Average price 
Europe Travel Up to 180 days  €100,000
Austria, Belgium, Bulgaria, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom
33€ per week
(approx. US$ 35)
Multi Trip  Illimited number of stays of 90 days max.
during 1 year 
€100,000 328€ per year
approx. US$ 349)
Low Cost Up to 180 days  €30,000
Austria, Belgium, Croatia, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland

22 € per week
(approx. US$ 23)

What should I do if I am injured or ill while in Malta?

Don’t worry - AXA’s Schengen insurance is here to guide, help, and protect you. In case of a medical emergency, you must contact the AXA Schengen call center at the number provided on your insurance policy. Medical assistance professionals will answer your questions and advise you 24/7 to help you find the medical center best suited to your situation and the closest to your location.

The following information must be given to the call center:

● The number of your policy, which begins with “SCH”.

● The address and telephone number at which you can be reached and the details of the people that can be contacted locally.

● The dossier number, which is communicated at the time of the first call.

IMPORTANT: Remember to always keep bills/ invoices and enclose them with your file.

What should I know when preparing for my trip to Malta?

Security: Crime against tourists is rare although robberies, handbag-snatching, pick-pocketing, and theft from parked cars have been known to occur. Be vigilant at ATMs and avoid carrying large amounts of cash. Personal attacks are rare but avoid splitting up from your friends and don’t go off with people you don’t know. If you drink, take sensible precautions. Scams have been attempted on tourists - so be cautious about any requests for funds, business offers, or meetings with those you do not know personally.

Opening hours: Commercial outlets and shops are normally open between 9.00 am and 1.00 pm and between 4.00 pm and 7.00 pm. Although, in tourist areas, many shops remain open later - until 10 pm. Shops are normally closed on Sundays and public holidays.

Public transport: As a small place, the public bus service on Malta and Gozo is a good way to get around as these serve major tourist areas, go everywhere, and are inexpensive and efficient. There is presently no train network in Malta.

Driving license: Any person holding a license issued outside Malta and the European Union shall be entitled to drive in Malta for a period not exceeding twelve months from the date of his last entry into Malta.

Restaurants: As in many Mediterranean countries, Maltans respect the siesta so tend to eat later in the evening. However, many restaurants will do early bird specials for tourists if in those areas with lots of visitors. Most restaurants don’t include a service charge so it’s normal to leave a 10 percent tip if satisfied.

Visa: Although many countries have visa-free travel with Malta and the Schengen Area, if you think you do need a visa to Malta you can find out more, here.

What type of accidents will my travel insurance cover?

Your insurance will cover medical expenses up to €30.000.

Will my travel insurance fees be refunded if my visa is refused?

Yes. If your visa is refused AXA will refund your insurance fees - subject to conditions including providing documentation of the reason for your refusal.

If I travel to another Schengen Country before Malta, will I be covered there?

Yes. Your insurance provides you with coverage in all Schengen states.